Which federal foreclosure protections apply to you?
Federal law (Regulation X) gives you real, enforceable rights once you fall behind on a mortgage — including a window before foreclosure can start and protection from being pushed to a sale while you're being reviewed for help. Answer a few questions to see which apply to your situation. Nothing is collected, and this isn't legal advice.
The federal rights, in plain English
These come from the federal mortgage-servicing rules in Regulation X (12 CFR 1024.41) and apply in every state, on top of your state's own process. They include the 120-day bar before a first filing, a written acknowledgment within 5 business days of your application, a full evaluation within 30 days, protection from being foreclosed on while a complete application is pending ("dual tracking"), and the right to appeal a denial. They kick in mostly once you submit a loss-mitigation application — which a HUD-approved counselor will help you do for free.